Hi All, Just looking for some advise here. I am in the looking into setting up an IVA. I have got an old TV which is definately going. Would I be allow to enter on a Buy now and Pay in six months time deal while iva is on? I am just making sure don't get myself tangled up in issues if and when in iv...

Many thanks for that advise Mel. Very much appreciated

Michael, orchid5 and Niobe, Mnay thanks for your advise. Very much appreciated.

I am being open and honest with the IP company hence want them to know everything surrounding me financially and will not have to come and haunt me later on if successful.

Hi all, I need some advise please. I am in the proccess of setting up an IVA but last year had claimed PPI and was paid some money back which I did use to pay for repairs on my house. IP company asking about this as I had to tell them all the monies received in the past. Will this have an inpact on ...

Waw great stuff many thanks for your advises. Also I shall access online accounts and change numbers. Many thanks

Hi Everyone, I am in the proccess of entering an iva, all proposals have been returned to IP for work to begin with creditors. When is the right time to call them ( 3 crditors )to advise them about my financial difficulties? Or do I leave this with the IP to proccess? I am getting an automated call ...

Hi everyone,

I have started the proccess for an iva - debt of 34k. I am wondering at what stage of an iva will you be allow to complete an iva? Have read on some forums people completing two years or three years into their iva.

Any advise would be great. Thanks

Hi Niobe, Many thanks for that advise. very much appreciated.

Hi GilliB & ST1100,

Many thanks for your views on this, very much appreciated. Very helpful information.

Hi Everyone, I am just about to enter an iva. I was advised to open a new account as my current one will possibly be closed down as they are one of my Creditors. I went online and applied with Lloyds TSB, Halifax and Co-op all accepted and opened new basic current Accounts for me. Does anyone here h...

Hi,

Yes I did and have a DI of £200.00 from my NI. I am trying to work out how much I can give to each Creditors from the £200.00 before IVA approval. Thanks

Hi Everyone,

I am considering going for IVA option, What is the Formular to use to worout what each crditors gets?

DI - £200

Nat - £19959.00 - 2xcc & p/loan
Bar - £8793.00
MBNA - £4583.00

Any help will be appreciated as I am rubbish in Maths. Thanks

Hello, I am considering an IVA but worried if my work knows and is against the T&C. I looked into the Contract but could not find anything regarding IVA. Looked on HR website and all is saying to contact the CAB for anything including debt and consumer issues. I work for a Telecommunication company ...

Hi, It has been a week or so trawling through forums looking for advise and as most people say to open a new account before iva. This I have done online with Lloyds TSB, Halifax, and co-op. All three has allowed me open an account. None of these will be my Creditiors. Due to panic of not getting one...

Hi everyone,

Many thanks for your advise. I will definately start tomorrow and have chat with 2 to 3 companies and see what they can offer. I very much appreciated you advise. This is constantly causing me sleepless night, stress in wrok as well. Thank you